Ecstatic Laughter In The Evenings

Tinyshoes

Morning all.

My men are in my bathroom

Off to look at tiles in a bit. I may possibly be getting a tincy bit excited now it's coming together. :j

Wheres_My_Cashback

JulieElizabeth wrote: »

Oh gosh, I only looked at the price :eek:

I'm surprised they even sell it in NI...I know how you like things with a little more kick over there

Tinyshoes

JulieElizabeth wrote: »

this one perhaps?

I think Tallujo did say it was not that one last night she did confirm it was a "full strength" one. :beer:

Tinyshoes

mhoc wrote: »

Nationwide sent me a savings watch email yesterday to say the Loyalty saver interest rate had gone down 1.2% :mad: - this was heralded as a tired account for long service members - the top rate for people who had been with Nationwide for over 15 years - I don't know what infuriates me more - the name of the account or the dropping interest rate or both.

It was good enough to start with but then after the first cut in interest rate I started a Nationwide regular saver so the Loyalty saver has been feeding it ever since - moving money from one jam jar to a more brightly coloured jam jar.

The main use I had for the Loyalty saver was as a temporary holding jam jar. We get paid every 28 days so some months, as is happening now we get paid mid month and so I would move most of the salary across into the Loyalty saver until bills day came along and then it would get shuffled back across.

Now though I've upgraded the current account to a Flex plus which is one of those packaged bank accounts - various insurances including car break down and also worldwide travel - (it costs us £10 a month but I was paying that for the previous travel insurance anyway)
Flex plus also gives 2.5% a month in interest (for balances up to £2500) - sadly partly taxed at the moment as its a joint account. Even so it still works out better than the miserable 1.2% on the Loyalty saver.
It also means the salary can sit there in the current account whatever day of the month it arrives and I don't have to move it back and forwards on the correct day and worry about making sure the current account has enough in it to cover bills

Now though with the latest drop I think I might as well find a fixed rate ISA for the 2015 tax year and use what is left in the Loyalty saver for that.

Mind you I am not even sure about the ISA because even the best rated long term fixed rate ISAs only pay a smidge over the 2% rate but the regular saver is paying 2.5% - I wonder if that interest rate will also drop ...

You have same three nationwide accounts as me. My loyalty saver is/was my holding account as didn't want to lock all my money away on fixed terms with renovations on the horizon. It's very disappointing after being such a long loyal member.

mhoc

karlie88 wrote: »

Yep.

When you open their current account (which pays 4% interest) you can also choose a gift that you'll get once per year...off the top of my head (because Lloyds website is down) it's a yearly gourmet society thingamajigabob, 6 vue cinema tickets or a yearly magazine sub.

ta for this - Gourmet society looks useful, I had a look at the website and it has the usual suspects like Prezzo and Beefeater etc.
I had the free Hi Life card for a few months and I have thought about getting a full annual membership - it has similar places on its list - so another saving.
Also less hours browsing deal zippy looking for good enough restaurant offers ...

Tinyshoes

Oooh festival I go to has just announced Bill Bailey on the main stage on the sunday. :j:j:j

Fantastic line up this year as it's their 25th anniversary. :T

Tinyshoes

mhoc bad news looks like regular saver has gone down to 2.00% according to nationwides website. :mad:

cjj_2

Code on shopitize fb for free Lindt eater bunny. Hth xx

mhoc

Tinyshoes wrote: »

You have same three nationwide accounts as me. My loyalty saver is/was my holding account as didn't want to lock all my money away on fixed terms with renovations on the horizon. It's very disappointing after being such a long loyal member.

yes it leaves a very sour taste doesn't it

same here - we had a big drop in the totals after having to change cars in 2013 - mind you the replacement has probably saved us massive amounts of garage repair bills.
Then 2014 the builder was here for weeks/months and since then we have been building up the reserves again in readiness for the Return of the Builder part two

hampydoodums

Morning luvlies, Shopitize doing £1 CB on buying Lindt choc bunny (50g) so free if bought in T, S or A. Code is the usual number followed by the colour of the bunny or see FB. Thanks to the dark side